Money & You - 8 November 2015

7/24/2019 Money & You - 8 November 2015

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SUNDAY STAR, 8 NOVEMBER 2015

special

MONEY & YOU


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money & youSUNDAY STAR,

8 NOVEMBER 2015

Investingsmartly,fexibly

GIVEN the current globalnancial uncertainty andolatility of financial markets,onsumers are encouraged toe proactive in making the

most of their money.Although equities, properties,

nit trusts, bonds and othernvestment options have beenround for quite a while,

Maybank Islamic Berhad (MIB)as taken a step forward withs General Investment

Account-i (GIA-i).The GIA-i caters to current

onsumers needs andxpectations.

Better returns

The GIA-i is a low-risknvestment account that hasimilar characteristics to araditional current or savings

ccount in terms of flexibility.However, the GIA-i yields

etter indicative returns than araditional fixed deposit.

The dividends are paidmonthly, providing customerswith two choices.

Customers can either accesshe dividend income to combatising living expenses orapitalise on the dividends toenerate even higher returns.

It is designed to preserve itsapital and the returns aretable.

Easy and fexible

Unlike other investment

roducts, there are no stringsttached with GIA-i.This means that its features

o not have any fees thatustomers need to worry about

while they have their financesmanaged efficiently.

In addition, the GIA-irovides customers with theexibility to withdraw.They can do so without any

enalty, whenever the needrises.In comparison, traditional

xed deposits penalise earlywithdrawal by reducing the

ividend by half or not payingt all.Other forms of investment

uch as equities, properties,nit trust and bonds areypically not as liquid as theyepend on market demand and

ncur brokerage fees, amongthers.

ChoosingMudharabah

Mudharabah is a contractetween the capital provider

Higher value

for your moneyMAYBANK Islamic BerhadsGeneral Investment Account-iCampaign offers a step-up rate of4% per annum from the first tosixth month, 4.5% per annumfrom the seventh to 10th monthand 6% per annum for the 11thand 12th month.

Although the GIA-i, a well-established product of MaybankIslamic Berhad (MIB)s, is notcovered by Perbadanan InsuransDeposit Malaysia, it is structuredto preserve your capital andinvested in MIBs assets, whereMIB has been accorded with the

highest rating of AAA by MalaysiaRating Corporation Berhad andRating Agency Malaysia for fiveconsecutive years.

Value-added features for MIBsGIA-i Campaign are the following:lOne of the highest indicative

effective returns in town of 4.5%per annum for 12 monthsplacementlDividends are calculated on a

daily basis and paid monthlylNo penalty on early

withdrawallNo upfront agency fees,

administrative fees or anysubsequent fee (for example,switching and withdrawal fees)

Consider the followingexample:

Adam has invested RM100,000into a GIA-i on Oct 15.

He plans to keep his money inthe account for the next 12 months.

After 12 months, Adam is

entitled to enjoy 4.5% returnsfrom his capital (refer to tablebelow).

It is open to individual andSME/BB customers with initialplacement of RM10,000 andRM25,000 respectively.

You may visit any Maybank orMaybank Islamic branch to makeyour placement on this campaignuntil Nov 30.

Months

Total 4500

Indicativecampaign

rate

Indicativedividend to be

paid (RM)

1stmonth

2ndmonth

3rdmonth

4thmonth

5thmonth

6thmonth

7thmonth

8thmonth

9thmonth

10thmonth

11thmonth

12thmonth

334

334

334

334

334

334

376

376

376

376

500

500

4.00%

4.50%

6.00%

Indicativeeffective

rate*

4.00%

4.00%

4.00%

4.00%

4.00%

4.00%

4.07%

4.13%

4.17%

4.20%

4.36%

4.50%

* Based on RM100,000 initial placement.** Indicative profit sharing ratio (PSR) at 50% or more.

Smart nancial tips from MIBlMaybank Islamic Berhads

General Investment Account-i

(GIA-i) Campaign runs from nowuntil Nov 30 or upon reaching itscampaign limit. Hurry and signup before the fund is exhaustedor you will miss one of thehighest rates in town.lYou can choose to reinvest

your monthly dividends into theaccount, increasing your capitalmonthly and thereby increasingthe following months dividends.

lYou can choose to get yourdividends paid monthly to your

current or savings account,thereby allowing you access toyour dividend to cover monthlyexpenditure without affectingyour initial placement.

This is a much needed relief incurrent market conditions withthe increase in cost of living.lInstead of opening a single

certificate of deposit for the fullamount, consider opening

multiple certificates. This givesyou a buffer in case you need

funds urgently.For example, if you haveRM100,000 to invest, you canbreak it into 10 certificates ofRM10,000 (the minimumcampaign placement amount).

This way, if you break one of10 certificates, the rest of yourmoney is still invested into theGIA-i and is eligible for thecampaign.

(customer) and an entrepreneur(bank).

Under this contract, thecustomer provides capital to beinvested in a Mudharabahventure that is managed by thebank.

Under the Mudharabah

structure, capital is notprotected.Instead, any profit generated

from the venture will be sharedbetween the customer and thebank according to a previouslyand mutually agreed profit-sharing ratio.

nFor more information, call1300 886 688 or visitwww.maybank.com.my


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has been more than 130 yearsce the foundation of the Tokiorine Group in 1879 as the firsturance company in Japan.day, the company is present incountries and regions witherations across 456 cities.One of the worlds leadingurance solution providers forrine cargo, engineering,sonal and life insurance, Tokiorine Life Insurance Malaysiad understands that customersve varying needs, are atferent stages of life and requireancial security.According to a recent protection

study in Malaysiammissioned by the Lifeurance Association of Malaysia,laysians are generally under-ured compared with their peersountries in the Asian regionh as Singapore, Hong Kong,

uth Korea and Japan.Today, life insurance and familyaful provides insurancetection for only 55.5% oftotal population, meaninglaysians are generallyprepared for rainy days.It is important to bridge thistection gap by offering products

d services that make sense asll as allow people easy access tourance, says Toi See Jong, chiefcutive officer of Tokio Marinelaysia.

With uforlife.com.my, Malaysiansnow able to purchase life

urance online and be protectedtantly via an e-Policy.


8 NOVEMBER 2015

Simple online insuranceEective solution

The U for Life insurance

platform is an innovative solutionand the result of a strategicpartnership between Tokio MarineLife Insurance Malaysia Bhd andU for Life Sdn Bhd.

Many people cite the buyingprocess and lack of productunderstanding as main reasonsfor not being adequately insured.

The pioneer online insuranceplatform is designed to offer asimple, instant and affordableway to buy life insuranceonline.

Tokio Marine Malaysia isthe underwriter and workswith Hannover Re, the thirdlargest reinsurer in theworld in this collaboration.

U for Life has registeredmore than RM165mil insums assured since itssoft launch in May this

year.This signals a growing

acceptance among Malaysians

Instant, afordable productsTOKIO Marine Malaysia Sdn Bhds constantly engaged in identifyingpportunities in supporting andmproving the quality of life of the

ommunities in which it operates.Its General and Life Insurancerms have been providing safetynd security to its customers for morehan 65 years.

On the General Insurance side,Tokio Marine Malaysia understandshe importance of developing

meaningful products and services tomeet the needs of a new generation

f consumers who feel strongly abouthaving choices paying only for what

they need instead of the one-size-fits-all offerings of the past.

In line with this, the Major MotorMedical policy was introduced last

July.This no-frills insurance cover paysup to RM400 per day when one ishospitalised as a result of an autoaccident in Malaysia, Singapore orBrunei.

It is certainly affordable theannual premium starts from onlyRM8.48 and goes up to RM33.92.

Another recently introduced policyis MosBite Insurance, which offerscoverage for individuals who contract

dengue fever.This policy offers financial

protection with a one-off payment ofup to RM3,000 to defray any out-of-

pocket expenses not covered by onesemployer.These two policies are simple to

obtain and require no medical tests.In addition, beneficiaries need onlyto undergo a simple claim process toreceive fast payment.

There is guaranteed acceptance forMalaysians.

nFor more information,visit www.tokiomarine.com

New regional hub

TOKIO Marine MalaysiaSdn Bhd opened itsNorthern Regional Hubin Penang last Friday,reinforcing thecompanys status as a

major insurer in theregion.Located in One

Precinct, Bayan Baru,this new Regional Hubwill enable Tokio MarineMalaysia to achievebetter operationsefficiency to serve thebusiness needs andcustomer demands of

the northern region.It gives us the

opportunity to providethe next level of serviceto our present customers something that our

partners have beenasking for and expect.We would like to be

the heartbeat of thelarger community, givingus the advantage ofexposing the business toa wider audience, saysToi See Jong, chiefexecutive officer ofTokio Marine Malaysia.

for purchasing life insuranceonline.

Due to this encouragingresponse, Tokio Marine iscontinuing to create greaterawareness about the importanceof life insurance and get moreMalaysians to sign up for theirvery first life insurance policy.

Timely modern platform

As customer purchasebehaviour changes over time withgreater use of technology, onlinelife insurance comes in to fill in thegap in the local market. Malaysiansare ready to accept onlineinsurance platforms from which tobuy life insurance, says Toi.

He explains that signing up for a

life insurance policy through U forLife is easy it takes about 10minutes to answer a set of simplequestions before you are all set up.

The policies offered by U for Lifeare affordable with monthlypayments as low as RM9.85 for a

The U for Life online insurance platform makes protecting yourself and your loved ones easy.

oi Seeng.

Easy steps to owning affordable life insurance:

Step 1 Go to www.uforlife.com.myand click Get Started.

Step 2 Fill in the form to get an instant quote.

Step 3 If you like the offer, proceed to make a purchase.

Step 4 Answer a few health and eligibility questions andsubmit your application.

Step 5 Once approved, click Pay Now to make anonline payment via your credit card.

Step 6 Congratulations! You are now insured by Tokio MarineLife Insurance Bhd. An e-Policy will be e-mailed to youonce payment is approved.

RM100,000 coverage, depending onyour age and risk factors.

Assistance is also readilyavailable on the U for Life platformvia an interactive chat feature.

According to Toi, besidesbenefiting consumers, the platformis a convenient tool that TokioMarine Malaysias insurance agentsand bank partner RHB can use to

reach out to potential customersand increase productivity.

I am confident that our strategiccollaboration with U for Life willoffer real value to Malaysians aswell as our business partners and,of course, our agents, he says.

nFor more information about U forLife, visit uforlife.com.my


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8 NOVEMBER 2015

YOU have started saving your moneyregularly. The question is, whats next?

Regularly putting money in your savingsaccount is not enough. The challenge nowlies in getting something more out of yourmoney.

Now that you have achieved accumulatingsavings, it is time to ask yourself a fewquestions: do you dutifully save until the dayan emergency expenditure comes along andblow your savings away or save till youeventually retire and then routinely spendyour savings until you run dry?

The good news is that these two scenarioscan be avoided. There is so much more thatyou can now do for your savings.

You should not adopt a laidback attitude

when it comes to managing your savings;instead, you should take strategic measuresin multiplying your money.

It would be a waste not to take advantageof the good opportunities offered by banksand other financial institutions to dojust this.

Protect your future

Getting the most out of your money meansletting your money work for you. Basically,what this means is converting your savingsinto something lucrative that will eventuallysupplement your income.

Many people may lament that investmentsare a tricky business and there is apossibility of losing your money inthe process.

However, the same danger applies tosavings that are left idle in the bank youmay lose your money to emergencyexpenditures. In addition, if you do not endup spending your money, it will inevitablydevalue due to inflation.

Hence, the thing to do is to choose yourinvestments wisely. There are plenty ofways to arm yourself and get the financialeducation you need. Seminars, conferences,

fairs and interactive websites offer plentyof advice and help.

All people have to do is contact an expertor provider, at no obligations and no extracost. They will gain advice, consultation andeven financial education from institutions.

People attend education fairs and visitproviders themselves when they want tofurther their study. They attend travel fairsor scour websites when they are in need of avacation. Therefore, they should do exactlythe same when they are shopping for thebest investments and information, saysDatin Maznah Mahbob, chief executiveofficer of AmInvest.

Once you start investing, you will notonly gain more money but also a wealth offinancial knowledge that will be invaluableto securing your financial future.

Plus, there is a fun element to it. If thereis active participation, investors will be ableto see their successes. You can discuss withothers and learn from your mistakes, saysMaznah.

More value in investments

HERE are a few sure-fire ways to convertyour savings into investments:lInvestment accountsFinancial institutions have made

converting savings into investment quitehassle-free. With a few clicks of a mouse oreven a call, you can convert your savings

account into an investment account.This means that the bank can now use

this money to invest wisely. Your initialsavings and dividends earned will beplaced back into your account (with termsand conditions, of course).lFixed deposits (FD)Opening an FD involves you entrusting a

large sum of money to a financial providerfor a fixed amount of time. You will receivea certificate for the sum of money you haveplaced into the FD account.

FD accounts typically have higherinterest rates than a savings account, whichis where the investment aspect comes in.

When the term expires, you canchoose to exchange the certificate, thuswithdrawing your money plus the interestgained, or you can choose to keep it there

for a longer period of time.lPrivate retirement scheme (PRS)A PRS is a voluntary retirement scheme

that anybody above the age of 18 canparticipate in.

It is a long-term commitment designed tohelp customers accumulate their savingsfor retirement.

The minimum monthly payment is aslow as RM50 and the best thing about theseschemes is that there are a few incentivesprovided for PRS contributors:

Start converting

> SEE NEXT PAGE

Once you startinvesting, you will notonly gain more moneybut also a wealth ofnancial knowledgethat will be invaluableto securing yournancial future.

nverting your savings into investments will grow your money faster.

Annual RM3,000 personal tax relief forthe year of assessment from 2012 to 2021.

One-time Government incentive ofRM500 for Malaysians aged between 20and 30 who have contributed a minimumof RM1,000 to a single PRS fund in anycalendar year between 2014 and 2018.

Lifetime membership with the PrivatePensions Administrator with an onlineaccount for contributors to check theirinvestment details, transactions andperformance any time of the day.

Finding the right PRS to suit your needsis key to making the most out of thisinvestment. Datin Maznah Mahbob, chiefexecutive officer of AmInvest, advisespeople to carry out thorough researchacross all providers and schemes availableso that you get the most value out of yourPRS.lMutual fundsIn this type of investment instrument,

contributions from many investors arepooled and invested in other financialinstruments such as stocks and bonds.

One of the main advantages of mutualfunds is that they give small investors anopportunity to have their financesprofessionally managed, which would betough if the small amount is individuallyinvested.

The profits from the entire pool ofinvestment is shared among the smallinvestors, providing small investors accessto large profits that they may otherwise beunable to achieve should they attemptinvesting on their own.

By RACHEL PUNITHA


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money & you 7

Get wise with your money> FROM PREVIOUS PAGEOnce you have carried out your

research, there are a few things tokeep in mind when convertingyour savings into investments.

Higher interest rates

There are financial instrumentswith higher interest rates thanregular savings accounts. Choosethem over regular savings accountsif you have some spare cash thatyou do not need immediate accessto.

Take advantage of thepromotions that financialinstitutions run a few times a yearto attract potential and recurringcustomers.

Interest rates offered duringpromotions are usually higher thannon-promotional periods. Keepyourself regularly updated with the

latest promotions especially if youare shopping around.

Compare the interest ratesoffered by different banks aschanges occur from time to timedepending on the institutionscampaigns.

To get maximum returns foryour investments, check the ratesof all the banks before selectingone.

You can use online resourcessuch as iMoney.myor Ringgit Plusto help you with calculations.

Lengthen your investmentperiod, as the longer you wait foryour investment to grow, the

higher the interest gained from it.

Bear in mind that you mayrisk losing all or part of yourinterest if the fund is withdrawnprematurely.

Easy access to money

With the introduction of theGoods and Services Tax this year,recent toll hikes, fluctuating petrolprices, volatile markets andincreasing costs of living, peopleare definitely feeling the pinch andare increasingly worried aboutkeeping their money safe andeasily accessible.

A savings account will give you

easy access to your money but

a common misconception aboutinvestment is that your moneywill not be easily accessible.

Nowadays, banks are becomingincreasingly aware of the needsof customers and are relaxing therules and regulations of theirschemes so that customers canhave easier access to their funds.

For example, Maybank IslamicBerhads new GIA-i can beconsidered to encompass the bestof both worlds both savings andinvestments.

If you shop around carefully,you will see that a lot of schemes,including the GIA-i, have features

added to them such as:lMonthly cash flow Dividends

or interest is spread out and will bebanked into your account everymonth (or at specified intervals).lAn early withdrawal option or

no fixed amount of time Althoughfinancial institutions encourageyou to keep your money for the setamount of time or even longerthan that, they do provide anoption for you to withdraw yourinvestment before the term endsjust in case you need the cash.lAn option to switch your

investment account to a savingsaccount and vice versa With afew clicks, customers are now ableto change their account statuses tosuit their risk appetite.

Keeping track of fees

Did you know that you arepaying much more for fees thanyou are actually aware of?

This is not to say thatbanks and financial institutionsare purposefully hiding feeinformation from you.

More often than not, customersare simply unaware of the fee orthey write it off because theamount seems minimal. One goodexample of this is ATM fees.MarketWatch, a website

published by Dow Jones & Co thattracks the pulse of markets for

engaged investors, states that feescan no longer be justified as thecost of doing business.

According to it, the time hascome to create a new norm incost, a cost that is in line withthe actual value created by afinancial institution.

Banks and other financialinstitutions do provide the meansto help customers avoid fees fromtime to time. It is up to you to takeadvantage of these opportunities.

Banks normally have campaignperiods during which they attractcustomers by waiving fees. Thisis an opportune time to act.

If you are in need of a creditcard or would like to transferyour savings into an investmentaccount, this would be a good

time to do it because you willbe able to avoid paying feesaltogether.

While doing this, though, it isprudent to ask the bank whetheryou should be aware of anyhidden fees and if there is a wayfor them to be waived too.

Banks want their customers tostick with them, so chances arethey would be willing to reducethe fees or waive them if you havebeen with them for a long of timeor if you consistently score an A+in your Central Credit ReferenceInformation System (CCRIS)report.

A well-researched investment will give you great returns.


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Opportunities beyond borders

Choosing a secure futureE Malaysian Government hasen great steps in encouragingrakyat to invest wisely forrement in enabling the

rastructure of the countrysvate retirement scheme (PRS)ustry.

According to Datin Maznahhbob (pic), chief executivecer of AmInvest, it is vital thatry individual takes charge ofir own retirement planning top the rewards of a well-investedrement portfolio and ensure a

ancially secure retirement.It is best to conduct thoroughearch across each provider andthe funds available and pick thet match for your needs.

It is advisable that you dontt pick a one-size-fits-all defaultn because it may not give youadded value that you need.

hen choosing a plan, dont justow a dart; take accountabilityyour financial future, she says.

Diversity and capability

AmInvest offers three PRS corefunds or default options that caterto different age groups and needs:AmPRS Growth Fund (for thosebelow 40 years old), AmPRS Moderate Fund (for those40 to 50 years old) and AmPRS Conservative Fund (50 years oldand above).

Though these are goodinvestment starting points,AmInvest provides non-coreoptions so that investors havemore choices and can pick aportfolio that is better alignedto their risk profile.

By putting this control in the

investors hands, AmInvest is ableto meet their investors needs.

AmInvest offers the most diverserange of non-core retirement fundsin the market across asset classesand geographical exposure, bothin conventional and syariah-compliant spaces:lConventional: AmPRS Asia

Pacific REITs, AmPRS TacticalBondlSyariah-compliant: AmPRS

Islamic Equity Fund, AmPRS Islamic Balanced Fund, AmPRS Islamic Fixed Income Fund, AmPRS Dynamic Sukuk

Maznah reveals that AmInvestwill be introducing one more

non-core fund in the near future,bringing the total amount of fundsoffered up to the maximum ten.

We want to provide a widerange of choices to our investorsto enable them to diversify theirinvestments and reduce the overallrisk exposure of their investmentportfolios, she says, adding thatAmInvest may have the mostdiversified range of PRS funds

among providers in Malaysia.AmInvest closely manages and

monitors its funds and the unittrusts it feeds into (for funds basedon feeder funds structures).

Maznah explains that themanagement house has built itscapabilities in certain flagshipfunds in terms of risk versus

returns. Once it is deemed suitableto be offered as a fund that a PRSfund can feed into, it will beintroduced to investors.

AmInvest aims to offer similarbest-performing funds as part of itsPRS suite of offerings in the nearfuture.

We have the capabilities tomanage the funds in all marketconditions, including through

periods of market volatility such aswhat we are experiencing now. Wehave developed strategies to makethe funds work for us and thesestrategies have been successful asthe funds are performing well, shesays.

When it comes to managingfunds, our philosophy is

consistency through diversificationamid market volatility. Weunderstand that investors wantsecurity in their investments.

Investors are able to see howthe funds are managed, whichprovides the added advantage ofa learning opportunity.

This is important, especially forthe younger generation, as theywill need financial intelligence to

be self-sufficient in the future,says Maznah.

Take control

As of September this year, 47.9%of PRS investors are between 31and 50 years old and only 26.4%are below 31 years old.

Of this, the majority are investedin default funds, which may notfully complement their existingcontributions into Malaysiasmandatory retirement savingsscheme.

One of the more apparentreasons many people invest in PRSis to take advantage of the RM3,000tax break that comes with the

investment.This should not be the sole

reason to invest. Investment goalsshould be long-term. A wiselyinvested PRS fund can give youwhat you need to successfully fulfilyour retirement goals, saysMaznah.

AmInvest believes that there isplenty of room for developmentin terms of reaching the targetdemographic the young.

Regulators and providers aredoing their part in providing accessto information, but it is up to theindividual to take the initiative tosecure their financial future.

It is vital that every individualtakes charge of their retirement

planning and start investing now.With a good investment partnersuch as AmInvest, you can weatherchanging markets and stay aheadin all market conditions, saysMaznah.

nFor more information, visitwww.aminvest.com, [email protected] or callthe PRS Hotline at 03-2032 2888.

OSE who invest in todaysbalised market know thatrency depreciation will cut into

r purchasing power as moreney is needed to maintain the

me quality of spending.

On the other hand, when weest in other currencies that

preciate, we will have somerency gain besides return ofestments.

According to William Ng (pic),ef executive officer of TFDCacorp Berhad, investing in aeign investment is effectivelyesting in a foreign currency.

Ng, who is a Certified Financialnner and Islamic Financialnner, says, Savvy investorsdiversifying into foreignestments to hedge againstrency depreciation. A globalestment adds strength to your

rtfolio.However, investors should be

ry of pitfalls. Picking the rightestment is one thing andoosing the right country toest in is another, says Ng.

Due to the inherent long-termure of property investment,investment becomes largely

quid and locked in for a longiod of time.

Hence, investors nowadays tendeek investments that provide a

orter payback term of two to

three years.This not only gives flexibility of

liquidity to the investor but alsothe choice of compoundingthrough reinvestment or shiftingto invest in another currencyaccording to new marketconditions.

TFDC Asiacorp is a boutiqueproperty development investmentfirm that promotes approvedstructured investments andlifestyle properties to grow wealthusing a mix of compounding,global diversification and riskcontrol applications.

It promotes Canada Dollar RealEstate bonds and luxurycommunity properties in ForestLakes Country Club, in Halifax, theprovincial capital of Nova Scotia,

Canada.Demand for this type ofresidential luxury communityhas grown along with the increasein population and the manymultinational companies who arenow choosing Halifax as a base fortheir operations.

Halifax has seen robusteconomic performance in the lastdecade. The city, nominated as oneof Canadas top investment cities in

2012 to last year, thrives on itsmaritime activities and recently

secured a multi-billion dollarshipbuilding contract.The site, which was acquired by

TFDC in 2007, was re-zoned in 2008to permit a mixed development ofresidential, commercial andrecreational projects.

The site will boast a NicklausDesign golf course (internationalgolf course design firm ownedby golf legend Jack Nicklaus), thelargest of its kind in AtlanticCanada.

Forest Lakes Country Clubwill also include a host ofleisure and sporting facilities,a luxury boutique hotel and aninternational business centre.

Trunk and ancillary roads are

already being built and the firstmodel homes and sales centrewere recently opened.

The initial phases of 1A and 1Bare fully sold and its ready-to-buildresidential plots and the first nineholes of the golf course areexpected to be delivered by nextyear.

In line with the housing boomanticipated from the governmentsCAD$25bil (RM81.7bil) shipbuilding

contract, the resort has alreadyattracted buyers from more than

40 countries.TFDC Asiacorp is introducinglimited units of housing plots inphases 1C and 1D with aguaranteed resale, with capitalappreciation returns of 48% inthree years.

Purchasers can, at the end ofthree years, choose to keep the plotand build on it, resell it for furthergains or choose to flip it back to themaster developer for cash at a netgain of 48%. A two-year flippingoption is also available with a netgain of 26%.

The unique features of thisinvestment allow investors flexibleoptions to diversify their portfoliosinternationally and hedge with the

stable Canadian dollar.Investors are able to enjoyflipping opportunities every twoto three years as it rides on amaster development.

TFDC Asiacorp is also promotingits signature PropertyDevelopmentInvestment Scheme,which is the onlyapproved scheme inMalaysia that is

pegged in Canadian dollars.Investors are redeemed in the

Canadian dollars equivalent onexit, which is due in March 2017.Return is at 11% net per annum.

The investment is guaranteed withcollateral of the development landvalued at RM25.5mil based on anindependent valuation in 2012.

nFor more information,call 011-1222 1998.

Finding the right PRS fund for you will mean getting better returns onyour investment. Start young to secure your future.

Money & You - 8 November 2015

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Transcript of Money & You - 8 November 2015